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Karen W

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Review of the PayPal, PayPal Credit:

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Helpful financial flexibility at my fingertips

PayPal Credit has been a reliable safety net for those months when unexpected expenses pop up. I love that the 0% interest offer isn't just for new customers—it applies to every purchase over £99 for 4 months. Managing everything through the PayPal app is very intuitive; I can check my remaining promotional balances and set up reminders in just a few taps. While the 23.9% representative APR (variable) is high if you miss a payment, the app makes it easy to stay on top of things. It’s a great tool for anyone who wants a bit more breathing room with their budget. Reviewed on: 16th April 2026

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